Eunice Chuen Hwa

205 Flips | 8 Magazines | 16 Likes | 1 Following | 14 Followers | @eunicechuenhwa | Keep up with Eunice Chuen Hwa on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Eunice Chuen Hwa”

Two Separate Experts Say This $15 Amazon Lotion Is the Closest Thing to Botox

According to the American Society of Plastic Surgery, in 2016, seven million Americans received Botox injections and 2.6 million got soft-tissue …

Skin Care

High Earner? You Can Still Contribute to a Roth IRA With This Trick

If you make too much to contribute to a Roth IRA, here's a perfectly legal way you can still take advantage of this tax-free retirement account.<p>Roth …

Retirement

D T Dim Sum & Tea

Long-Term-Care Insurance Isn’t Dead. It’s Now an Estate-Planning Tool

Hybrid policies, aimed at affluent Americans, offer long-term-care benefits along with potential death benefits<p>Last year, after finishing with college tuition for their three children, Jessica Galligan Goldsmith and her husband, James, treated themselves to something she had long wanted: …

Retirement

35 Ways to Earn up to 11% on Your Money

Since the Great Recession, many investors' portfolios have been a tale of feast and famine. Stocks have racked up hefty gains, while the lowest …

Opinion: 7 common estate planning disasters and how to avoid them

An approximately $30 trillion transfer of wealth is currently under way in the U.S. as aging baby boomers pass their assets to successive generations.<p>…

How Ordinary People Become Extraordinary

Everyone has the potential, but the habits necessary are adopted only by the few. Will you be one of them?<p>Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Elon Musk has been quoted as saying, “I think it’s possible for ordinary people to choose to be extraordinary.” Now, whether you …

Motivation

I'm a financial planner, and this is the best advice I can give to people who are new to investing

One of the questions I'm most frequently asked has to do with what's needed to begin investing. Some folks want to know how much money they need to begin. Others have a strong desire to buy a few stocks they heard about. And then there are people who have spent a long time thinking about getting …

Investing

9 things you should never say during a salary negotiation

You're 96% sure that you are ready to schedule a meeting with your boss to ask for a raise. Or perhaps you're nearing the end of the job interview process and an offer is in sight. However, if you're like me, you have definitely put your foot in your mouth a time or two saying the wrong thing at …

Career Development

15 Tips For Sounding Much More Professional At The Office

A little bit of rephrasing goes a long way.<p>"Using positive language in a negative situation can have a big impact on how you're remembered." —yourmate155<p>"It'll make them respect you more." —Inebriatedclusterfuk<p>"The phrase 'I assumed...' has a very negative connotation, and people will view it as …

35 Skincare Products That Actually Do What They Say They Will

<i>We hope you love the products we recommend! Just so you know, BuzzFeed may collect a share of sales from the links on this page. Oh, and FYI — prices are accurate and items in stock as of time of publication.</i>

The Best K-Beauty Skin Care Products at the Drugstore

Most friend groups have their resident skin care aficionado, your first text when you run out of moisturizer and need a new rec. Unprovoked, here's a secret about them: In all likelihood that person loves K-beauty skin care. Because thanks to a little thing called regional differences in beauty …

Skin Care

The Best Drugstore Primer Products That Won't Break the Bank

Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may …

15 Products That Are the Closest Thing to Botox in a Bottle

In the quest for smoothing wrinkles and plumping lax skin, going under the needle (whether for neuromodulator or filler) reigns supreme. That said, if you wince at the thought of sharp objects or don't have hundreds (thousands!) to drop on in-office treatments, there are pain-free, subtle, and …

10 Good Financial Rules of Thumb

Rules of thumb can be a good approximate guideline for decisions, and there are tons of money rules that aim to get your finances on track. While …

How to Be Rich (Hint: A 401(k) Alone Won't Get You There)

Of course, saving is one of the keys to wealth, but if you're just pumping all you’ve got into a 401(k), you're missing the boat.<p>Tired of being told …

Should You Buy Long-Term Care Insurance? | Investopedia

The numbers are alarming. According to a 2016 Department of Health and Human Services (HHS) study, about half or 52% of Americans turning 65 today …

This One Chart Can Help You Retire Richer

Here are its key takeaways.<p>We’re all familiar with the caveat that past results are no guarantee of future performance. While that’s true, …

The Answers to These 3 Questions May Determine if You Retire Rich or Poor

Most Americans get the answer to this one wrong.<p>Just 18% of Americans report feeling very confident about having enough money saved for retirement, …

5 Books to Read Now if You Want to Retire Rich

The best retirement planning books, according to experts.<p>You might be able to start collecting Social Security at 62, but personal finance expert …

Passive income: 15 ways to let the money flow in

It's hard to beat passive income. Instead of toiling for it, you can sit back and let the money flow in. Here are 15 examples of how you might collect passive income streams.<p>For many people, toiling for a living isn't fun.<p>There can be lengthy commutes, dress codes, annoying coworkers, unreasonable …

Personal Finance

Ditching money-losing condo the first step in helping this couple reach a prosperous retirement

<b>Situation:</b> B.C. homeowners have an unprofitable rental, wonder if they can afford a bigger house<p><b>Solution:</b> Sell the loser, use proceeds to get a …

Stanford analyzed 292 retirement strategies, says this one is best

When you're ready to retire, how can you be sure you'll have enough money to last? And what's the best way to withdraw your savings over the …

The Youth Elixir: A Dermatologist Shares the Most Effective Anti-Aging Creams

Of all the buzzy skincare trends we want to try, collagen creams are at once the most enticing and least clear. We know it's associated with …

7 lessons I learned from tracking my net worth for 14 years

I've been tracking our net worth like a weirdo since I started working in 2003.<p>That's over 14 years of data. Sweet sweet data.<p>That first row is so simple. 2 bank accounts, 1 brokerage account, and what I considered an impressive net worth of $8,745.69.<p>Except I didn't do it right. I only recorded by …

Roth IRA

How to prepare financially for being a widow/widower

Among the risks that married couples face in retirement, this one is unavoidable. It’s the risk of becoming a widow or widower. And that risk comes with some dramatic consequences, according to a Society of Actuaries report, "Managing Post-Retirement Risks: A Guide to Retirement Planning."<p>According …

Retirement

The $62 Billion Tax Break Anyone Can Claim -- but Only 4% Do

Even tax cuts will still make this a lucrative way to save.<p>The efforts that some people will make to avoid having to pay income tax are …

74% of Investors Think We're Due for a Downturn. Are You Ready?

The next market downturn could cripple your retirement savings -- unless you're prepared for it.<p>After an eight-year bull market, many investors are …

Retirement

Liz Weston: What good financial advice looks like

Good financial advice can help you achieve your life goals. Bad financial advice can cost you a fortune and leave you worse off than if you had tried …

Retirement

A 7-day guide to getting richer, fitter, and happier

We recently published a guide to changing your life — overhauling your habits and replacing them with better ones — in 31 days.<p>But 31 days is a long time. If you need (or want) to see a change sooner, we've got you covered.<p>Below, you'll find a seven-day guide to earning, exercising, and smiling …

Athletic Apparel